Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Their customer service department assured me they would not deduct money from the wrong bank account like they did to get me into the collections **** in the first place. There was a discrepancy in how the company that hired them billed my debit card. I specifically told Checkrite not to make the same mistake twice, but they did anyway. I received an apology prior to this complaint and they assured me they would charge me half the fee that I was charged with. But they didn't. Luckily their mistake for the second time didn't cause any issues because I thought ahead of time and placed money in the incorrect bank account they originally deducted from thinking they'd make the same mistake twice. Good thing i did, otherwise I'd owe them more money due to their mistake. They're capitalizing on their own mistakes and it's wrong.

  

  Business Response

  Date: 11/07/2023

  Representative told him that he would be responsible for the fee and that fee could not be waived. She offered to update the account number on file he said it was correct ending in ****. He never gave her a card number to process. Nobody apologized to him for making a mistake and we only have record of 2 calls yesterday with him and first representative spoke with him before we received the file and she said she could call him back once everything was imported. A manager spoke with him today via email and never said we made an error I informed him we did not have a card number on file and nobody told him we would reduce the fee in half.  He is mistaken about what has transpired on this account.  All calls have been reviewed by management and none of his accusations are true. 

  Customer Answer

  Date: 11/07/2023

  Everything I've said is true and correct.  They are not being honest about waiving half the fees.  I never asked for that anyway.  All I was trying to do was make sure the problem never happened again in the future.  They offered the partial fee and I accepted, but it didn't happen.  My debit card account was deducted by them, not my main checking account ending in ****as they say.  I have bank statements to prove it.  I don't care to continue this conversation anymore, it just runs in circles.  I will never do business with anyone associated with this company.  And I feel that anyone else should know that, therefore this is the reason I've complained.  End of story, I'm done.

  Customer Answer

  Date: 11/08/2023

   
  Complaint: 20837494
  
  I am rejecting this response because: Everything I've said is true and correct.  They are not being honest about waiving half the fees.  I never asked for that anyway.  All I was trying to do was make sure the problem never happened again in the future.  They offered the partial fee and I accepted, but it didn't happen.  My debit card account was deducted by them, not my main checking account ending in ****as they say.  I have bank statements to prove it.  I don't care to continue this conversation anymore, it just runs in circles.  I will never do business with anyone associated with this company.  And I feel that anyone else should know that, therefore this is the reason I've complained.  End of story, I'm done.
  
  Sincerely,
  
  *******************

• Initial Complaint

  Date:09/22/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used this account for getgo gas mistakenly it was set up to debit a bank account I dont usually use. So of course the payment did not go through, checkredi reached out to me about paying this balance and the return fee $71 and some change, we set a payment for 9/15, on 9/15 I seen that the payment had not posted so I went online to checkredi and paid the amount in full. On the following Monday 9/18, I got an email from the bank that the payment didnt clear, today 9/19 I got a collection call from checkredi asking if I want to take care of the balance which now had another $50 return fee. To which I advised I would not be paying because I processed the payment online on 9/15 for the full balance due at that time. I was told they assumed it was a double payment and returned the credit card payment in hopes the *** transaction went through which it did not. I advised them that I would gladly make the payment for the $71 but I would not be paying another return fee since I also processed the full payment online on 9/15 which they returned. She told me it was my fault that the payment was returned on 9/18 at 4:04am & that they would not waive the second overdraft fee even though they returned the credit card payment.

  

  Business Response

  Date: 09/27/2023

  This has been resolved.

  Customer Answer

  Date: 09/28/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:09/13/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Started on August 18th when my checking account was compromised. Went to bank to report it. They recommended a new account number so that's what I did. Had a a charge from them that came out them same day. Because of the changed account I did not go through so they charged my a $25 fee. I have had to report the new account number to every one of my other bills and everyone has been able to wave any fees that happened because of this. I have spoke to several different people at checkredi and have wasted hours on the phone for them to say they can't wave the fee with out documents. I have emailed them on two different times documents from the bank to showing the compromised info and its not good enough. They said it has to say frozen account. **************** is the worst I have dealt with with any company my entire life.

  

  Business Response

  Date: 09/13/2023

  We have left a message for the customer asking him to call *********************, one of our managers, so the can be resolved.  He has not called us back as of yet.  Please ask him to call us at ************ and ask for *********************.

• Initial Complaint

  Date:07/31/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 7/28/2023, due to constant harassment by the defendant, I submitted a payment on their website for LEX2003237. The defendant charged both my credit card (which I authorized payment on) and debited the bank account I had on file with their third party entity (Circle K), which they did not have authorization to use.

  

  Business Response

  Date: 08/01/2023

  Customer paid late on Friday the 28th after hours online.  Customers transactions was already sent to the bank for Payment on Thursday the 27th.  Customer was informed of the resubmission process in the terms and conditions and was reminded of this process by ZipLine in the email he received on 07/25/2023.  We were just notified today by customers bank that the resubmission transactions were indeed paid.  A refund is being processed today and should show in the customers account within 48 hours.

  Customer Answer

  Date: 08/02/2023

   
  Complaint: 20394607
  
  I am rejecting this response because: the business illegally obtained my bank account number, which they never had access to.  I need to confirm that the business is deleting all information associated with me in accordance with my rights under federal law.  
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 08/03/2023

  You supplied your banking information to Circle K when you signed up for the Easy Pay App.  See the terms and conditions that you agreed to at this link:  **************************************************************

   

  Customer Answer

  Date: 08/03/2023

   
  Complaint: 20394607
  
  I am rejecting this response because: That is not part of the terms and conditions.  Again, you refuse to acknowledge that you have deleted my information. I cannot accept any settlement until this is completed and verified. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:07/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In August of 2022 I started reporting to my Mortgage provider that I am unable to pay electronically using my checking. Months of back and forth w/them finally lead me to contacting Consumer Affairs(CA). CA stated ********** Mortgage(CM) should have directed me to them as soon as I reported the issue. CA said my account is marked as closed. It was closed in July of 2020 but when returning to ESL they reopened same account. They updated account to active. A week later called CA confirm my account was still showing active, it was. But CheckRedi (CR) flagged account causing payment to fail. CM use CR to process payments. On July 14th, 2020 a charge from Delta Sonic $21.44 failed due to my account being closed. I contacted them and explained my situation requesting the fee be waived and I pay the $21.44. The situations - son born July 20th, 2020, COVID19 at worst, ended up sick, and I am only income. I could not afford an extra $20 fee. I called CR today. ***** answered **************** for CR and rude tone the whole call. I escalated to a manager ***? who told me if I wanted to dispute $20 fee to call ********************* (TSA). I spoke with TSA account manger advised debt sent back to CR. Called CR back immediately requested supervisor ***. Not available and other supervisor connected to was unwilling to waive fee. Requested next level escalation and transferred **** *** refused to waive fee after giving me false information continuing to waste my time. Requested next level manager ************************* who rudely repeated "I signed these terms and conditions and am responsible for the maximum fee they can charge in *** which is $20." Refusing the waive the fee I asked to escalate further which upset *************** much that he began to be rude to me. Agitated by me refusing to pay fee I asking to escalate but ***** refused. Not asking a lot just a small $20 fee is waived out of principle and knowing that this might not even resolve my issue. Can pay $21.44, just wont pay $20 fee

  

  Business Response

  Date: 07/13/2023

  It is in the terms and conditions that you are responsible for all state allowed fees when an item is returned by the bank unpaid.  I am asking the BBB to close this complaint as outside the scope of the BBB.

  Customer Answer

  Date: 07/13/2023

   
  Complaint: 20310472
  
  I am rejecting this response because:

  I agree there are terms and conditions but I have circumstances regarding this that as a major business should be willing to consider. Flagging my account as closed to consumer affairs has caused me almost a year worth of issues through another business. Can someone please contact me directly that is part of upper management with CheckRedi. To be clear I am requesting director level management to contact me.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 07/14/2023

  Senior Manager contacted customer and he refuses to pay the fee even though he agreed to the terms and conditions of the program.  All calls have been reviewed and no one was rude to him.  This account is 3 years old and he is just now trying to pay.  No fee will be waived.

• Initial Complaint

  Date:06/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used the Conoco - Fuel_Forward app to get gasoline at the pump. The transaction didnt go through due to a bank error. I was under the impression I would re-attempt it in the ************ a few days or so later they overdrafted my bank account for not ONE, but TWO transactions. Initially it was a gas charge for $30.01. They charged my bank one transaction for $30.01 and another for $35. So needless to say, $30.01 in gas has ended up costing me nearly $100 dollars because the way this place conducts business. I spoke to the business a few days ago and was informed they will not credit the $35 back.I REFUSE to pay extra for a failed bank transaction when it was not my fault it did not go through initially. I am willing to pay my $30.01 gas transaction that didnt go through and that is it. Furthermore, it is extremely inconvenient that the company charged two separate fees. So what should have only been $65 is now $65 + TWO $34 overdraft fees from my bank! Please refund my money to which I did not authorize on that date and send the bill for my $30.01 transaction and close my account! This is beyond infuriating and is down right deceptive.Long story short, I DO NOT RECOMMEND DOING BUSINESS WITH CHEK REDDI OR ANYONE THAT USES CHEK REDI AS YOU WILL MOST CERTAINLY REGRET IT WHEN THE **** PILE UP FOR A SIMPLE MISTAKE AS CHEKREDI DECEPTIVELY PROFITS OFF YOUR MISFORTUNE OR MISTAKE.

  

  Business Response

  Date: 06/22/2023

  It is the terms and conditions that an item will be assessed a fee if returned from the bank and that it can be electronically re-presented to the bank when that occurs.  At the point of check on your app it also states this same information.

• Initial Complaint

  Date:04/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i was told that i would need to contact you all to dispute transactions that occurred on my account the transactions are 02/27/2023 RaceTrac - ******************: $23.69 ,02/26/2023 RaceTrac -****************** : $44.13 and 03/01/2023 RaceTrac -****************** :$38.84 My racetrack debit was lost at which I got another one did not use the other one . I have got emails stating there were transactions occurring on my account . I never authorized those transactions. I contacted racetrak for this issue and they said that i would need to contact checkredi/zip line to dispute these charges and i would be set and to cancel all cards on the account which I did .

  

  Business Response

  Date: 04/06/2023

  I am very confused by the customer's statement.  We did receive a police report, but the customer attempted to pay on 03/02/2023 her balance in full.  However, this payment was also returned by her bank as NSF.  Technically, according to the terms and conditions the customer is responsible for all charges if the *** number was given out or if she does not report the card stolen at the time of the incident.  The customer did not report the card stolen until after the transactions were done and returned by her bank for NSF.  I have removed these from collections, but the customers card cannot be reinstated. 

  Customer Answer

  Date: 04/07/2023

   
  Complaint: 19899121
  
  I am rejecting this response because: the transactions are still showing up and I am still getting contacted 
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 04/11/2023

  There were already calls queued in the system but have been removed, but like we said your account will not be reinstated until the balance is paid in full.  You will not receive any more phone calls but the balance remains unpaid.

• Initial Complaint

  Date:03/07/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was supposed to charge $65.01 total, but as you can see, I was charged an extra $35. Checkredi can't locate the $35 fee but it has cleared my account. I would like a refund of $35.

  

  Business Response

  Date: 03/07/2023

  The $35 fee seen on the account was for your husband *************************** in reference to a ***** account.  Your payment of $65.01 was in reference to your account with Circle K.

  Customer Answer

  Date: 03/08/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  Date:02/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a gas card for Circle K. I received discounts from the card. On 1/17/23, I went to the bank and froze my bank account. Nothing was supposed to come out of my account. A $5 transaction from gas couldn&#**;t go through. Now H343137**35383031**34H is trying to charge me a $25 fee. They told me I had to get a letter from my bank in order to remove the fee. I got that and sent it to them. Now they are claiming I need another letter from the bank explaining my account was frozen on the transaction date.

  

  Business Response

  Date: 02/13/2023

  The date that the account was frozen has to be included on all bank letters as company policy.  Please provided a corrected bank letter.

• Initial Complaint

  Date:10/25/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was charged ***** from Chekredi through my bank and I did not authorize this charge

  

  Business Response

  Date: 11/01/2022

  This customer signed the terms and conditions authorizing the fee.